Mike Haubrich, CFP®

Founder of Financial Service Group, Inc., a fee-only financial planning firm, and author of the book Career Asset Management.

[Mel Gibson⭐ @MelGibsonxvyv]

Watch every second of this speech.

Brandon Gill will be President of the United States one day.

[Mike Haubrich, CFP® @towealth]

Follow Nick Shirley who is actually doing real investigative reporting

[AmericanPapaBear™ @AmericaPapaBear]

Every single one of these childcare facilities run by Somalians in Minnesota needs to be shut down immediately!

@nickshirleyy has gone to numerous of these establishments, and they refuse to speak to him, can’t answer simple questions, all while taking in millions of dollars from the state of Minnesota taxpayers.

Minnesota is way worse than we thought you guys.

[Mike Haubrich, CFP® @towealth]

And it takes a 23 year old TikTok reporter to follow this story by going on location and seeing empty Somali pirate shops fleecing our Country

[The Disrespected Trucker @DisrespectedThe]

Wait until someone investigates the trucking industry in Minnesota involving Somalians.

[The Disrespected Trucker @DisrespectedThe]

Wait until someone investigates the trucking industry in Minnesota involving Somalians.

[Mike Haubrich, CFP® @towealth]

Clear explanation on the different cultural attitudes that led to the fraud. But what about the politicians who allowed this to happen?

[Elon Musk @elonmusk]

This is accurate

[Cynical Publius @CynicalPublius]

RE: Fraud in Minnesota

I’m not sure that most Americans understand that in large swathes of humanity, there is no actual concept of “fraud,” particularly fraud against the government. Instead, there is a belief in the virtue of getting away with what you can to help yourself and your tribe.

I spent a lot of my life in the Middle East and Central Asia, working closely with foreign contractors and foreign governments to provide support to American military operations. As a US Army officer with a big checkbook courtesy of Uncle Sam, I can’t really count the sheer number of times I was offered bribes to award a contract, or falsify records to do things like create larger (fake) headcounts at places like dining facilities, or to just simply be on the take for future illegal requests.

Of course I had enough sense to never comply with such requests. Moreover, they were never explicitly structured as “bribes”; instead it was usually along the lines of “Here I have these Rolexes as gifts for you and your wife to show our friendship.” (Unfortunately, too many US officers and NCOs succumbed to this siren song and ended up breaking rocks in Leavenworth.)

The weird thing about this to me was that whenever I turned down such an offering, it was treated as a grave insult. I was the one in the wrong, and not the fraudster trying to bribe me. They considered it rude that I was in their country and refused to accept how things got done. After all, why did I not want to help my tribe by helping their tribe?

Let me repeat: in these cultures, FRAUD IS NOT EVEN A CONCEPT. There is only what helps your tribe.

Such thought processes are so alien to Americans and much of the West. We are raised on the presumption that our institutions are valid, that the rule of law always prevails, and that integrity is universal. We need these presumptions to have working governments and economies, and without those presumptions—without the mental barrier that causes us not to accept outright fraud—our nation would quickly descend into the economic and social hellscape of countries like…. ummm… you know…. SOMALIA!

So when we import people en masse from cultures that accept bribery and fraud as routine, acceptable ways to advance one’s tribe, we should not be surprised that things like the $8 BILLION fraud schemes of the Somali population in Minnesota happen so easily.

Introducing a fraud-based culture based on tribalism into America is like introducing some sort of lethal virus into a population that has no natural immunity. The virus will spread and grow, unchecked, because it is so alien to the host. Similarly, a culture of fraud is anathema to American thinking, and it must be cut out before it consumes the host.

So when you see and hear patriotic Americans decrying what is happening in Minnesota or elsewhere, and when they seek deportation of the offenders, it is not “racism,” it is not “bigotry,” it is not “xenophobia”; instead, it is preserving the American tradition of responsible institutions and national integrity.

[Mike Haubrich, CFP® @towealth]

@BillAckman Great idea how to save NYC. Socialism never works.

[Bill Ackman @BillAckman]

I awoke this morning gravely concerned about New York City. I thought “What has NYC become that an avowed socialist who has supported defunding the police, whose solution to lowering food prices is city-owned supermarkets, who doesn’t understand that freezing rents will only reduce the supply of housing, who has no experience managing an organization -- let alone a city with a $100+ billion budget and a $2 trillion economy -- and who believes chants for ‘Globalizing the Intifada’ are acceptable, wins the Democratic Primary.

After speaking to those who supported @ZohranKMamdani, I believe that he won the primary largely not due to his policies, but rather because he is a superb politician who ran a remarkable and inspiring campaign. He is intelligent and articulate. He is young and charming, and he successfully played down incriminating @X posts and statements from his past, pitching a joyful campaign of unity.

And he won because the competition was very weak. His best competitor sat back and did not run a real campaign, relying on name recognition, early favorable polling and keeping a low profile to make it through. Not a strategy that I have ever seen work, but so be it.

The Democratic primary voter is clearly tired of the Democratic politics of the past and its aging and over-the-hill leadership – Who isn’t? [As a case in point, how embarrassing is it to watch aging Dems fall in line with their tweets of support for Mamdani, as they desperately try to defend their seats from the far left?] And therefore, without any real competition, Zohran and his attractive personal qualities and campaign skills magically make him the candidate of the future.

The problem, however, is that his policies would be disastrous for NYC. Socialism has no place in the economic capital of our country. The ability for NYC to offer services for the poor and needy, let alone the average New Yorker, is entirely dependent on NYC being a business-friendly environment and a place where wealthy residents are willing to spend 183 days and assume the associated tax burden. Unfortunately, both have already started making arrangements for the exits.

Mamdani is right that much about NYC is broken. The City has gotten much less safe while the cost of living here has become increasingly unattainable for many. We pay more for less. Unfortunately, his headline campaign promises of frozen rents and cheaper food from city-owned markets, among others, are certain to fail.

A mayor who disrespects the NYPD and has called for their defunding will get less effective policing, and Bratton’s ‘broken window theory’ will operate in reverse. A mayor who condones hate speech will incentivize more hate speech and violence. Words matter, and yes, they can inspire people to kill as we have recently tragically seen in our country and around the world.

New York City under Mamdani is about to become much more dangerous and economically unviable. Unlike our Federal government, NYC cannot print money, and this Federal Government won’t bail NYC out if things go bad. In fact, Mamdani would be a windfall for the Republican Party as NY becomes another failed major city run by Democrats alongside Seattle, Chicago, LA, and SF et al as Senator Fetterman so eloquently stated today, "I'd describe it as Christmas in July for the GOP."

So why did I become optimistic later this morning? The answer is that NYC has woken up in the last 24 hours. The substantial majority of NYC residents understand that socialism is a failed system, that rent freezes will destroy our housing base and shrink the affordable housing supply while killing new construction, and that an anti-capitalist Mayor will destroy jobs and cause businesses and wealthy taxpayers that have enabled NYC to balance the budget to move elsewhere. If 100 or so of the highest taxpayers in my industry chose to spend 183 days elsewhere, it could reduce NY state and city tax revenues by ~$5-10 billion or more, and that’s just my industry. Think Ken Griffin leaving Chicago for Miami on steroids.

The good news is that there are other charismatic, intelligent, articulate, handsome, charming, young yet more experienced and, importantly, more centrist politicians who are New York residents eligible for office. There are also extremely talented members of the NY business community who could be superb mayors, Bloomberg being the reference standard from the past.

And the setup is extremely attractive for a run for mayor. There are only 132 days until the election, which means the commitment of time to run is de minimis. This will be the most closely watched mayoral election in NYC in decades, perhaps ever, which, particularly in the social media and podcast era creates the opportunity for a new candidate to garner immediate name recognition, enormous media interest, and the visibility needed to get elected.

Importantly, there are hundreds of million of dollars of capital available to back a competitor to Mamdani that can be put together overnight (believe me, I am in the text strings and the WhatsApp groups) so that a great alternative candidate won’t spend any time raising funds.

So, if the right candidate would raise his or her hand tomorrow, the funds will pour in. I am sure that Mike Bloomberg will share his how-to-win-the-mayoralty IP and deliver his entire election apparatus and system to the aspiring candidate so that the candidate can focus all of his or her energy on the campaign.

One unfortunate fact, as far as I understand, is that the candidate will have to be a write-in as I believe that none of the current candidates established a nominating committee if they were to withdraw, which means that no one can take their spot on the ballot. This is such an important election, however, that I believe the write-in requirement could actually turn into an important call to action that brings people in throngs to the polls. It therefore won’t be the game stopper it would normally be in a typical election.

As a result, the risk/reward of running for mayor over the next 132 days is extremely compelling as the cost in time and energy is small, and the upside is enormous. If the candidate does not win, there is no harm, no foul, because the perceived probability of beating the Democratic nominee in a NYC mayoral election is extremely small. Therefore, there is no reputational risk to losing this election, and the corresponding reputational benefits are extraordinary whether one wins or loses.

If the candidate wins, this is obviously a huge home run for the City and the candidate, but it is also an opportunity to save the Democratic Party from itself, grabbing the wheel just before the party goes even further off the cliff. The new mayor would be a national superhero for the City, for the Party, and for the country.

For the aspiring politician, there is no better way to get name recognition, build relationships with long-term donors, and to showcase oneself than to run for mayor over the next 132 days. This election is already global front page news. For the aspiring young candidate, the amount of publicity and the massive followers to be gained are of incalculable long-term value whether they win or lose, and whatever they choose to do in the future, business, politics or otherwise.

And there is a defensive reason for a politician to run. For the more centrist Democrat politician, a Mamdani win is very bad for your next election. As the Party veers further to the left, the Party’s backing for your future candidacy deteriorates substantially as Mamdani and AOC take control of the Party.

In my experience, opportunities with minimal downside that don’t require huge investments of time while offering massive upside get filled. If you were ever thinking about running for office, or running for a higher office than you currently hold, this is likely the best opportunity that you are going to have.

All of the above is not just theory, as I have a superb candidate who I believe can win who meets all of the criteria, but if I were to say his name or even reach out to him, it would have a negative effect on his candidacy, as I am a supporter of President Trump, and that alone taints anyone I would recommend for many and perhaps most NYC Democratic Party members. So rather than my making suggestions, I welcome yours.

Who is your best centrist candidate who could go toe-to-toe with Mamdani on the campaign trail and on the debate stage? Let’s crowdsource the names and then do a poll.

If someone is ready to raise their hand, I will take care of the fundraising.

This is a once-in-a-lifetime opportunity for the right candidate. More importantly, it is an opportunity to save our City and be a superhero. Life is short and you must dare to be great.

The time is now.

[Bill Ackman @BillAckman]

A must watch, three-minute piece on Soros-funded anti-American protestors that work with terrorist organizations.

Alex Soros and @HumaAbedin, please explain why you are funding this activity. If any of the below allegations are false, please correct them.

[Mike Haubrich, CFP® @towealth]

@BillAckman @HumaAbedin Well that sheds light on who’s behind these protests.

[Mike Haubrich, CFP® @towealth]

@musk_news13 Hi

[Mike Haubrich, CFP® @towealth]

@TrumpRealDaily Yes

[Mike Haubrich, CFP® @towealth]

I will bring the gasoline

[Right Scope 🇺🇸 @RightScopee]

🚨BREAKING:

Rob Reiner says he will set himself on fire when Donald Trump becomes the President

Thoughts?

[Mike Haubrich, CFP® @towealth]

Then quit.

[Right Scope 🇺🇸 @RightScopee]

🚨BREAKING NEWS: FBI agents are saying if Kash Patel becomes FBI Director, it would cause "massive damage" to the agency and are threatening to quit the agency

What’s your reaction?

[Concerned Citizen @BGatesIsaPyscho]

“It’s a war that should never have happened”

“Billions of dollars aren’t going to Ukraine - it’s going to Blackrock”

Legacy Media have lied about the Ukrainian conflict from day 1 - listen to RFK Jnr tell the truth about it

[Mike Haubrich, CFP® @towealth]

@Liz_Wheeler Pretty impressive

[Liz Wheeler @Liz_Wheeler]

Trump is President-elect for two days:

- Stock market hits record high
- Migrant caravan at our border dissolves
- Hamas calls for end to war
- Bitcoin hits record high
- Putin ready to end Ukraine war
- Qatar kicks out Hamas leaders
- EU will buy U.S. gas not Russian gas
- Putin will sell oil in U.S. dollars
- Zelenskyy phones Trump & Elon
- NYC Mayor ends vouchers for illegals
- Mexico to stop migrants at U.S. border
- China wants to work peacefully with us
- Big U.S. company to move out of China

I repeat: Trump has been President-elect for two days.

[Mike Haubrich, CFP® @towealth]

@BidensWins More give aways for votes from this guy

[Mike Haubrich, CFP® @towealth]

@ChefGruel @pnjaban When are we going to outlaw Congress from directly investing in stocks? Thanks Nancy Pelosi for this corruption.

[Chef Andrew Gruel @ChefGruel]

From his website: "Bill has been hard at work to pass bills that will help working families in the 9th Congressional District, and bring critical federal funding to the the towns and cities he represents" No mention of insider trading so I think this is just a coincidence.